Credit card -- Incorrect information on your report -- Complaint #19183939
Bank of America Accused of Reporting Incorrect Credit Account Status
Complaint Overview
Complaint ID: 19183939
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 30038
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Incorrect reporting of account status can negatively impact a consumer's credit score and ability to obtain future credit.
Consumer Sentiment: negative
Topics: Credit reporting, Account status, Credit card
AI Analysis
CFPB complaint 19183939 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A consumer reported incorrect account status information on their credit report for a closed Bank of America credit card account. The complaint was received on January 31, 2026 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureaus and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
This complaint highlights the importance of accurate reporting of account status, especially for closed accounts, as it can still affect creditworthiness.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Georgia, and the complaint pertains to a Bank of America account.
Industry Comparison
Disputes over incorrect account status reporting are common across the credit card industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19183939 about?
CFPB complaint 19183939 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on January 31, 2026.
Which company is complaint 19183939 filed against?
Complaint 19183939 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION. You can view all complaints against this company on their profile page at /company/bank-of-america-national-association.
What was the company's response to complaint 19183939?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19183939 filed?
Complaint 19183939 was received by the CFPB on January 31, 2026. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on February 2, 2026.
What state was complaint 19183939 filed from?
Complaint 19183939 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 19183939?
Dispute information is not available for complaint 19183939.
What product category is complaint 19183939 about?
Complaint 19183939 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19183939 submitted?
Complaint 19183939 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19183939?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. This relates to a Credit card complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Incorrect information on your report".
How likely is complaint 19183939 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19183939?
This complaint is rated as medium risk. Incorrect reporting of account status can negatively impact a consumer's credit score and ability to obtain future credit.
What regulatory actions apply to complaint 19183939?
This complaint highlights the importance of accurate reporting of account status, especially for closed accounts, as it can still affect creditworthiness. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19183939?
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureaus and the furnisher of the information.
Are there state-specific protections for complaint 19183939?
The consumer is located in Georgia, and the complaint pertains to a Bank of America account. This complaint was filed from Georgia.
How does complaint 19183939 compare to industry norms?
Disputes over incorrect account status reporting are common across the credit card industry.
What steps should a consumer take if they believe their credit report contains inaccurate information about a closed account?
The consumer should first dispute the inaccuracy directly with the credit reporting agency (e.g., Equifax, Experian, TransUnion) and also with the furnisher of the information (Bank of America in this case). Providing supporting documentation can strengthen the dispute.
How long can incorrect information remain on a credit report after being disputed?
Credit reporting agencies generally have 30 days (or 45 days for initial credit applications) to investigate a dispute. If the information is found to be inaccurate, it must be corrected or removed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.